Electrical damage can be costly and impact your ability to operate effectively.
When it comes to property damage, electrical damage can often times be some of the most serious property damage as it can impact appliances, electronics, computers, your phone system, your homes electrical infrastructure and can even lead to electrical fires. In addition, the full extent of the electrical damage may not be immediately identifiable, so properly accounting for all of the losses may be very difficult at first, especially to someone who is unexperienced in assessing insurance claims.
If you’re dealing with electrical damage to your property and are planning to file an insurance claim, it’s always in your best interest to start by contacting a public adjuster to assist you in the process. Once you’ve contacted a public adjuster, it is likely that they will give you the appropriate next steps you should take, however here are some general guidelines for anyone who maybe in the process of an electrical damage insurance claim.
Filing An Electrical Damage Claim
First, see if you can determine the cause or starting point of the electrical damage. In some situations, it may be easy to identify a lightning strike or something that blew due to a power surge. However, others may be more difficult to identify like electrical wiring within a wall. Understanding the cause of the damage is important as policies will have different procedures and coverage for lightning than they would for a power surge. In addition, most policies will not cover power surges that occur off premises, so it’s important to make sure all of your details are in order before we file your claim. Fully document the damage with photos of the damaged items as well as video of the item and the current condition as this will all help in receiving as much coverage as possible from your claim.
Don’t Let Electrical Damage Disrupt Your Operations
Electrical damage can be costly and impact your ability to operate effectively. It is always best to enlist the help of an experienced public adjuster like Safeguard as public adjusters will not only have the experience to identify any damage or damages you may have missed but will also handle the submission of your claim to ensure that no errors are made and you receive as much as possible for you claim. Public adjusters are also able to easily bring in a network of experts to help determine the actual scope of the loss at no upfront cost to you, ensuring you and your interests are best represented during your insurance claim.